Samsung Pay Card Terms

Version: 1.0 - 31st Jul 2020

Welcome to our Samsung Pay Card customers

GENERAL INFORMATION

Who are we?

Hello. We’re Curve OS Limited, registered in the UK with company number 09523903 , but you’ll know us better as Curve. In case you want to send us a letter, we are based at 15-19 Bloomsbury Way, London WC1A 2TH.

If you have any questions about these terms and conditions (Terms) or anything at all, just drop our friendly customer support team a line at support@curve.com or get in touch via the Curve app.

These Terms apply to your use of the Samsung Pay Card, a digital or physical Mastercard debit card issued by Curve and co-branded with Samsung (the Samsung Pay Card). If you have a different Curve product, please see their terms here.

If we need to contact you, we’ll contact you in English via the Curve app, by email, phone or using your home address - depending on the information we need to share - so make sure your details are always up to date. If in doubt, these Terms are concluded in English.

What are these Terms?

These Terms set out the terms of service for your use of the Samsung Pay Card, your Curve account and other important things you need to know. By clicking “accept/continue” you’re entering into a legally binding agreement with Curve OS Limited, which issues your Samsung Pay Card and electronic money (e-money). Curve is authorised to issue e-money by the Financial Conduct Authority (firm reference number 900926). Before using the Samsung Pay Card, you  might also need to agree to Samsung Pay’s separate terms of service as advised when setting up your Samsung Pay Card account in the Samsung Pay App.

You can always download a set of the most recent Terms from our website and we will send you, when we need to make changes to these terms, a copy of the most current and the new Terms by email.

Anything else you should read?

The Fee Schedule forms part of these Terms and we highly recommend reading it. Along with these Terms, you should take a look at our Privacy Policy, Cookie Policy, Fair Use Policy, Curve Customer Protection Policy and refer to the FAQs for any questions you may have.

Who can get a Samsung Pay Card?

You can get a Samsung Pay card and Curve account:

  • if you’re a resident in the United Kingdom,

  • have the full legal capacity to enter into a contract, and

  • you’re 18 years old or over.

You can’t get one:

  • on someone else’s behalf, or

  • if you already have a Curve account, or

  • there is any reason that Curve is unable to grant you an account under the laws that apply to us.

We may ask you for additional information when you are opening your account (or during the time that you are our customer) and if this information does not meet our requirements, this may result in your account opening being delayed or rejected or us closing an active account.

What should you know about your Curve account?

E-money. Your Curve account stores e-money, an electronic alternative to cash that can be used to pay for goods and services, in store or online and to take money out at an ATM. Rest assured that your e-money is always kept separate from our own. This is known as safeguarding and ensures that your e-money is protected in case we become insolvent.

  1. No interest. We’re not allowed to pay you interest on the funds we hold for you and they are not protected by the Financial Services Compensation Scheme (FSCS). Don’t worry: Curve is required to keep your funds safe in a safeguarding account, which means that all of your funds are protected.

How it works. You need to link and verify a payment card to your Curve account through the Samsung Pay card onboarding process app, before you can use your Samsung Pay Card. The payment card can be any debit card, credit card or prepaid card that we allow you to link to your Curve account . We may need to introduce certain restrictions on the cards that we are able to accept on to the Curve system and will try to keep you informed on any changes, some of which may depend on the card schemes. To use more than the one payment card you added during onboarding, you will need to download the Curve app and follow the process for adding and verifying payment cards. 

When you make a transaction using your Samsung Pay Card, Curve (with your permission) loads funds from your selected payment card to Curve, this is done for you automatically by the Curve processing system (no hassle to you). The amount loaded will be the value of the transaction, plus any fees for that transaction that Curve is charging.

The loaded funds are used to issue e-money which is loaded onto your Curve e-money account and is then used to pay for the transaction made with your Samsung Pay Card. If your selected payment card account has insufficient funds or declines the transaction for any other reason, the transaction will be declined.

In case Curve receives a decline from the payment card selected in the Curve app, we  try to process the transaction from the cards that you have set as your default or back up cards (when functionality is available).

You can add multiple payment cards to the Curve app and change the selected payment card at any time using the Curve app. To clarify, this can not be done through your Samsung Pay app. If you change to a different payment card in Samsung pay app, it will not change the payment card in the Curve app. 

Each time you link a payment card to your Curve account you’re giving us a continuous payment authority to use that payment card to fund the purchase of the e-money used to pay for transactions. Curve will use various means to identify and verify that the card you have added to your account is yours and that you have the right to use it.

You can see your transactions on the timeline in the Curve app.

What should you know about your Samsung Pay Card?

Curve will issue you either a personal or business Samsung Pay Card. It will either be a physical and/or digital card. A digital card is a card where you can see your Samsung Pay Card details in the Curve app, and can request a physical card if you want one (fees for this are in the Fee Schedule). You will be able to add your Samsung Pay card in digital form to your Samsung Pay app.  

Any Samsung Pay card can be used to make purchases for goods and services, in store or online. For withdrawing cash you will need to order a physical Samsung Pay card.

GENERAL INFORMATION

What type of accounts can you open?

Personal or business. You can open either a personal or a business account. We can change your account from business to personal and vice versa if we reasonably think your use of the account has changed. From time to time, we may request further information from you, to check if you still need a particular type of account. If Curve for any reason determines that your account type has changed, Curve will issue you a replacement card and let you know before we do so.

When you request a business card under these terms you are confirming that you either have  an incorporated company or are self employed and will only use the card for business spend.

Benefits. Your Samsung Pay Card benefits can be viewed here.

More than one account. You cannot hold more than one Curve account. We can close down additional accounts without informing you first. This also means that if you have Samsung Pay card then you will not be able to open a Curve account alongside.

Fees. You can find details of the fees we charge in the Fee Schedule. We will keep you informed before we introduce any new fee or make changes to any existing fees.

Replacement Card. We charge fees for replacing your Samsung Pay Card at the time we process the request for a replacement card. We can charge the fee from any of the payment cards linked to your Curve account. We won’t charge you to replace a card that has been stolen or misappropriated.

Curve Fronted. Using your Samsung Pay Card (with a credit card as your payment card) to pay merchants who only accept payments by debit card, or who either impose a charge or deny certain types of credit cards (e.g. transactions to the HM Revenue and Customs in the UK, paying off a credit card with an underlying credit card selected), is defined by Curve as a debit fronted credit transaction and will attract a service fee (see our Fees Schedule for details).

Please remember that:

  • your underlying credit card issuer may also apply fees in relation to Curve Fronted transactions using Curve. Curve will not be liable for such fees. These fees are strictly non-refundable in nature

  • you may have to pay other costs, taxes or charges which are outside our control and not charged by us e.g. your payment card issuer may charge you for making a payment through your Samsung Pay Card.


Keeping your account safe

Please keep your Samsung Pay Card, account information, security details and the devices you use to access your account safe. This means:

  • signing your Samsung Pay Card as soon as you receive it (if physical card)

  • not sharing your security details with anyone (including your Samsung Pay Card PIN, Curve app password or PIN or other security information used to protect your Curve account)

  • not letting anyone else use your Samsung Pay Card or Curve app

  • Keeping your Samsung Pay Card details (physical or digital) safe


If you think your card is lost or stolen, someone knows your security details or there are transactions on your account you don’t recognise, you must:

  • immediately lock your Samsung Pay Card in the Curve app

  • let us know ASAP by calling +44(0)2033222585 (lines are open 24/7), by email on support@curve.com or via the Curve app

  • stop using your Curve account and Samsung Pay card until you hear from us.

If you find your Samsung Pay Card after you’ve locked it but before you’ve notified us, simply unlock it again via the app. Please keep a look out for any suspicious transactions and follow the above procedure if you spot any.

Who can you provide access to your account?

You may want to use account information service providers (AISPs), which allow you to see your accounts held with different providers all in one place. These AISPs must be authorised and regulated by the Financial Conduct Authority (FCA) or another EU regulator. You can check whether an AISP is regulated by checking the European Banking Authority Payments Institutions. We'll treat any instructions from your AISP as an instruction from you.

Occasionally, we may have to block your AISP’s access to your Curve account, e.g. if we believe that they don’t have the proper authorisation or we suspect fraud. If we do this, we’ll try and let you know beforehand or ASAP afterwards.

You must let us know if you withdraw this permission and we recommend you let the AISP know.


USING CURVE

Who can you provide access to your account?

Uses. You can use your Samsung Pay Card to make payments or withdraw cash.

Authorised transactions. We’ll consider a transaction to be authorised by you when you do at least one of the following:

  • enter your PIN

  • sign a receipt

  • provide your Samsung Pay Card details (card number, expiry date, CVV number)

  • wave or swipe your Samsung Pay Card (digital or physical) over or near a contactless payment reader

  • use your Samsung Pay Card and PIN to withdraw cash from a payment terminal, e.g at ATM

  • select a contact of yours and instruct the transfer of funds to that person in the Curve app.

Typically your authorisation for a transaction lasts for 30 days. If a merchant processes your transaction after 30 days, you agree that we can process the transaction. You remain responsible under these Terms in respect of all transactions you authorise on your Curve account including all charges and other amounts incurred.

Cancelling transactions. You can cancel a transaction you’ve agreed to pay in the future up until close of business on the day before the transaction is due to take place. Just contact us to do this.

Changes to payment amounts. Sometimes, you might make changes to a purchase between the time you authorise the transaction and the time the merchant processes it. In these cases, the merchant may amend the payment amount to reflect this change. You agree that we may pay the additional amount to the merchant on the basis of your initial authorisation and charge the shortfall from you.

Pre-authorisations. If you’ve used your Samsung Pay Card to pre-authorise a transaction of less than £150 (or its equivalent in your local currency), we may place a block on those funds (meaning you can’t use them) or charge the amount to your payment card at the time you pre-authorise the transaction. If the final amount is less than £150, we’ll refund or unblock the difference.

Continuous payment authority. You can use your Samsung Pay Card to set up a future payment (either on a one-off or recurring basis) on a selected payment card. We’ll make the payment from the payment card you’ve selected in the Curve App at the time we process the transaction, which may be a different payment card to the one you had selected at the time you set up the future payment. If you need to cancel such payments, get in touch with us.

Spending limits. We have limits on how much you can spend or withdraw - these are set out in your Curve app. We may change these limits every now and then. You can ask us to increase your limits - if we refuse, you will have to wait 3 months to request another review.

Transactions without Samsung Pay Card

Sending funds in closed network

You can send and receive payments from other Curve customers by using the Curve Send functionality detailed below.

Reasons we can refuse or delay a payment?

  • Security: We’re concerned about the security of your Samsung Pay Card or account

  • Fraud: We suspect fraud on your account

  • Law or regulation: We need to comply with the relevant law or regulation

  • Your actions: The transaction breaches limits which apply to your Curve account you’ve breached these Terms, failed to provide us with information we’ve asked for or your account has been blocked, or

  • Third parties: If a third party (e.g. a card network) prevents us from making the payment.

We’ll tell you if we refuse to make a payment and (where possible) why.

We may need to contact you urgently if we suspect or find fraudulent activity has occurred (provided we are not prohibited from doing so by law) or if we suffer a security threat. When we contact you, we will also give you information on how you can minimise any risk to your payment instrument depending on the nature of the security threat. We’ll use the same contact details which you have already provided us with when contacting you; so please make sure you keep your account details up to date either in the app or by contacting us.


What about foreign currency transactions?

If you have set your payment card currency in the Curve app to a different currency - e.g. EUR - to the payment card you’ve used to make the payment - e.g. your GBP debit card - your payment card issuer may charge a fee for using currency conversion services.

If we have to convert the currency of a payment made using your Samsung Pay Card we’ll use an exchange rate which will be either the:

  • Standard exchange rate. On a weekday we will normally use an exchange rate collected from our wholesale provider, though when the exchange rate is volatile we may use the rate as of midnight on that day. We’ll use this rate during the hours foreign currency markets are open in the UK. We can let you know the rate for a transaction if you get in touch with us.

  • Weekend exchange rate. This is the rate at the time the markets are last closed in London, U.K. It will apply from the time the markets close until they open again.

Exchange rates can fluctuate between the date you made the transaction and the date it’s actually processed by the merchant to your account. We may not notify you about the change in the exchange rate but will show you the applied exchange rate, once the transaction has been processed or when the transaction is finally settled.

If you use the go back in time feature in relation to a foreign currency transaction, it’s possible that a different exchange rate to the one used for the original transaction will apply. If the merchant subsequently refunds the payment, the exchange rate used will be the one at the date the transaction was settled, not when the refund is settled.

You can contact us at support@curve.com for details of the exchange rate for any transaction.

We’ll not be responsible to you if you’re charged fees or lose any money if you ask the merchant or any other third party to make the currency conversion.

Who’s responsible for losses on your Samsung Pay Card or account?

When you’ll be responsible. 

You’re responsible for all losses where:

  • you’ve acted fraudulently

  • you deliberately failed to keep your device, account details or your Samsung Pay Card and account security details safe.


If you don’t tell us as soon as you realise that your card is lost or stolen, when you think or suspect that someone else knows your security details, or there have been unauthorised transactions on your Samsung Pay Card, you’ll have to pay up to £35 (or its equivalent in your home currency) of the losses.

When we’ll be responsible. We’ll refund you any money you’ve lost as a result of:

  • any unauthorised transaction which you’ve promptly reported (and within 13 months of the transaction), provided you’ve not acted fraudulently or carelessly;

  • our mistakes

  • after you locked your card (but only to the amount of the original authorisation).


We may also refund you where you’ve used your Samsung Pay Card to make a payment in the European Economic Area (EEA) without knowing the exact amount beforehand (e.g. when hiring a car) and the final amount is much higher than you reasonably would have expected. Just drop us a line through the Curve app or at support@curve.com within 8 weeks of the transaction and provide us with any further information we need to look into this. We’ll then make a decision either to refund the transaction or give you reasons why we can’t accept your request.

What can I not use my Curve account and Samsung Pay Card for?

We know most customers will, but you must use your Curve account and Samsung Pay Card responsibly. You can’t use them:

  • for anything that’s against the law (e.g. fraud) or is harmful or disrespectful to others, including any form of abuse of us or our staff

  • in breach of these Terms

  • in a way that might harm our ability to provide our services or our software, systems or hardware

  • in a way that your payment card issuer, a card network, our acquirer and/ or payment processor, would consider an abuse of the payments system;

  • to pay for adult entertainment, gambling, cryptocurrencies, money orders (except wire transfers) and travellers cheques from non-financial institutions

  • for “cash recycling”, which means using your Samsung Pay Card to make an ATM withdrawal and using the cash to repay the payment card used for the withdrawal in order to receive rewards on the payment card or your Samsung Pay Card;

  • to create one or more Curve account(s) without our permission;

  • attempt to “double dip” or to do anything during the course of a dispute to receive funds from us and your bank or payment card issuer for the same transaction;

  • to make transactions which are not allowed by the issuer of your linked payment card e.g. cash advances or transactions for investment purposes. Check your payment card’s terms to see what’s allowed.

Money owed to Curve

In the event you owe Curve money either for fees or transactions that you have made using Curve, we may immediately charge such amounts to any of your payment cards. We reserve the right to collect the amount of your debt to Curve by using any payments received to your Account. We may also recover amounts you owe us through legal means, including, without limitation, through the use of a debt collection agency.

CURVE FEATURES

In order to use these features, you need to download and use the Curve app. These features are not available on the Samsung Pay app. To download the Curve app - please click here. 

Go back in time

This allows you to change the payment card you used to pay for certain transactions after they were made. Check out which transactions this is possible for in the Curve app (note that we can change this list and restrict customers from using this feature where we have a good reason to do so). Be aware your payment card issuer may charge a fee for this, which we’re not responsible for.

Curve rewards

Sometimes we offer our customers rewards for using your Samsung Pay card or  Curve account - you can check out the current rewards you may be eligible for on our website. We change this every now and then - you can keep a tab on this through our website. Certain rewards programmes are introductory offers and may be restricted to 90 days - in such cases please carefully refer to any information provided to you by Curve in the app or by email. 

Curve Cash has no cash value and is not deemed to be E-money or any other equivalent of a fiat currency. Your Curve Cash cannot be used to withdraw cash or otherwise be redeemed for cash. You cannot use Curve Cash to pay for any fees due to Curve.

When using your Curve Cash card for a transaction, Curve will convert your reward points to e-money (our little gift to you!) to the value of the transaction. You may be charged fees on these if applicable as per the Fee Schedule. If there are not sufficient points on your Curve Cash Rewards Point balance, the transaction will be declined.

Curve rewards points will expire 6 months from the date they are added to your virtual Curve Cash card. If your Account is closed either by you or by Curve, you will not be able to redeem the value of your Curve Rewards.

Curve Send

Curve Send allows you to send and receive payments (and messages!) from other Curve Send customers.

Once a payment has been sent, the recipient will receive the funds to their Curve Cash card within 7 days.

You can also send funds using Curve Send to non-Curve customers, who may be able to sign up for a Curve account. Before they receive their funds, they’ll need to open a Curve account to accept the payment - if they don’t the payment will be sent back to you. It is not necessary that just because you have sent funds to a non-Curve customer that Curve will be obliged to provide them with an account, they will still need to meet our eligibility criteria - as any other customer. 

Please note we’ll assume that you have the non-Curve customer’s consent to provide us with their details and you should refer them to our Privacy Policy for details of how we’ll use their information.

Just FYI - it can take up to 7 days for a payment transaction to appear on the Curve timeline when you receive funds.

Your funds received from Curve Send are stored in the Curve Cash card, separate from your Curve Cash rewards points, and can be used for making payments with your Samsung Pay Card but can not be withdrawn as cash or redeemed to an underlying bank account / payment card without getting in touch with us. You cannot use these funds sitting on your Curve Cash to pay for any fees due to Curve.

When making a payment with your Curve Cash card selected as a payment card, Curve will first use any funds received through Curve Send; before it will convert your Curve Cash points to e-money.

CLOSING & SUSPENDING ACCOUNTS

When can we block, suspend or close your account?

Blocking. We’ll block your account if we have reasonable concerns about your account’s security or suspect fraud or where law or regulation requires us to.

Suspension and closure. We may immediately suspend or close your account for a number of reasons including where:

  • you use Curve in a way that these Terms don’t allow,

  • you don’t provide us information we’ve asked for or information you’ve provided is false or misleading,

  • your behaviour towards us makes it difficult to deal with you (e.g. you insult our staff),

  • you’ve broken these Terms in a serious or persistent way and you haven’t put the matter right within a reasonable time of us asking you to,

  • we’re required to by law or regulation,

  • you’re declared bankrupt,

  • we can verify that you have died.

We’ll give you at least 2 months’ notice if we want to close your account for any other reason.

How can you close your account?

You can cancel your account at any time by emailing us at support@curve.com or contacting us in the Curve app. You’ll get a refund of any subscription fees you’ve paid if you change your mind within the first 14 days of signing up (the “cooling off” period). You will be charged pro rata if you have used any of the Curve services (including receiving a card).

On closing your account, you still need to pay us any fees you owe us or any transactions that have not yet completed. You’ll also need to make sure you cancel any outgoing payments you don’t want to pay anymore. If there is a balance on your Curve account, this will be redeemed to an underlying card’s bank account - once we complete our checks (if needed).


COMPLAINTS

How can you make a complaint?

We hope you don’t ever need to but if you do ever want to complain, you can contact us at support@curve.com or complaints@curve.com or via the Curve app. We’ll try and fix your problem as soon as we can. Just so you know, our complaints management and customer service is currently, only in English.

If you’re still not happy you can refer it to the Financial Ombudsman Service within 6 months of the date we send our response to you.

You can contact them at:

In writing: Financial Ombudsman Service, Exchange Tower, London, E14 9SR

Calls: 0800 023 4567 (or +44 20 7964 0500 from abroad)

Email: complaint.info@financial-ombudsman.org.uk

Website: www.financial-ombudsman.org.uk

You can get more details about how we handle complaints in our FAQs.

You may also use the Online Dispute Resolution service if you are an EU resident and have a complaint about our services. The website is: http://ec.europa.eu/consumers/odr. As the ODR service will ultimately redirect your complaint to the UK Financial Ombudsman Service, you may prefer to contact us or the Financial Ombudsman Service directly in the first instance.

OTHER IMPORTANT LEGAL STUFF

Our liability

We’ll not be responsible for any money you’ve lost as a result of:

  • a merchant or ATM provider refusing to accept your Samsung Pay Card

  • us suspending or closing your account in accordance with these Terms

  • Curve implementing a legal or regulatory requirement

  • unforeseeable events outside our control, where the consequences would have been unavoidable despite our best efforts

  • goods or services that you purchase using your Samsung Pay Card

  • Loss or corruption of data unless caused by our willful wrongdoing

  • our compliance with applicable laws.

We’re also not responsible for any charges you have to pay to third parties, like your payment card issuers, for using the Curve account and services.

If we breach our Terms with you, we’ll only be responsible for losses that could have been foreseen at the time we entered into these Terms and are directly related to the event in question. We’ll do all we reasonably can to make sure that our services are not interrupted and are accessible at a reasonable speed. However, we can’t promise that this will always be the case e.g. where we rely on third parties to process payments.

Nothing in these Terms will stop us being responsible to you, if we act fraudulently, we act with a very significant degree of carelessness, or we’re at fault and the law does not allow us to exclude or limit our liability. We will not be liable to you in respect of any losses you or any third party may suffer in connection with the use of Curve’s service - app, account or Samsung Pay Card as a result of our actions which were not a foreseeable consequence of our actions.

Changes to these Terms

Because these Terms will continue till you or we end them, we may need to change these Terms every now and then. If we make changes that are clearly in your favour, we’ll tell you once we’ve made them. Otherwise, we’ll give you 2 months’ notice before the change will come into effect - so you can easily end these Terms if you don’t agree with the changes. Any such changes will only of course be made if they are reasonable. We’ll assume you’re happy with the change unless you tell us otherwise.

We may amend these Terms to reflect changes, including:

  • to the law or regulatory requirements

  • to the way we manage your Curve account as a result of changes in technology and changes to the Curve system that we use

  • in the cost of providing your account and other Curve services

  • to our existing products and services

  • and anything else that we currently can’t predict


Our contract with you

Personal to you. Only you and we have any rights under these Terms. These Terms are personal to you and you can’t transfer any rights or obligations under them to anyone else.

Transfer. We can transfer any of our rights and obligations under the Terms to comply with a legal or regulatory requirement and we reasonably think that a transfer would not have a significantly negative effect on your rights.

Severability. If for any reason a part of these Terms becomes invalid or unenforceable, we both agree that the invalid or unenforceable parts can be removed and that the rest of the Terms will still be enforceable.

Waiver. If you fail to keep to any of your obligations and we don’t take action against you (immediately or ever), we can still take action at a later date.

Our intellectual property

Curve owns all intellectual property in the Curve products and services, e.g. Curve app, Curve website, Curve logo and card designs. You agree you won't use Curve’s intellectual property, except to use the Samsung Pay Card and Curve products as outlined in these Terms. Also, you agree you won’t reverse engineer any of Curve’s products (that is try to reproduce them after a detailed examination of their composition).

English law applies

English law will decide any legal questions about this agreement, and about our dealings with you with a view to entering into it.

If you are living in England or Wales when this agreement starts, the courts of England and Wales will have exclusive jurisdiction in relation to it.

If you are living in a different part of the UK when this agreement starts, English law will still apply, but will not act to deprive you of any mandatory protections that would have been afforded to you in that country. In addition, the courts of that country will have jurisdiction to hear any claims in relation to this agreement, but you can still bring a claim against us in the courts of England and Wales if you want to.

Your Data

By agreeing these terms, you also agree to us using your information to make and receive payments on your account, and any other lawful grounds that Curve has to use your information. If you’re no longer happy for us to use your information, we’ll have to close your account. We may keep your personal data and use it where we have lawful grounds to do so. For example, any identity verification information we need to maintain for regulatory reasons (please refer to our Privacy Policy).

Fee Schedule


Delivery Fee

To cover the cost of delivering a physical card that you have requested (you will be issued only a digital card)

£5

Replacement Card Fee

To provide you with a replacement physical Samsung Pay card

£5

Cancellation Fee if you cancel your Samsung Pay card during the 14 day cooling off period 

To cover the cost of providing your Samsung Pay card, including the cost of making it and posting it to you and providing you with the benefits associated with your card up to the point you cancel it.

£0

Cancellation Fee after the 14 day cooling off period

To cover the cost of providing your Samsung Pay card, including the cost of making it and posting it to you and providing you with the benefits associated with your card up to the point you cancel it.

£0

Cash withdrawal fee

To cover the cost of enabling you to withdraw cash from ATMs.

Note: some ATM providers may impose additional charges.

First 10 withdrawals per rolling 30 day period are free. Thereafter £0.50/€0.50 per withdrawal.


Currency Conversion Fee - for purchases you make Monday-to Friday (excluding bank holidays) 

To cover enabling you to pay for goods and services in a currency different from the currency of your payment card. Any fee we charge will be in addition to the exchange rate we use to convert the currency you used to pay for the goods and services to the currency your payment card is in. We’ll use our standard exchange rate for purchases and cash withdrawals you make when the foreign currency markets are open in the UK (typically Monday-Friday, excluding bank holidays).

Fee free currency conversion up to up to £500 per rolling 30-day period. Thereafter, we will charge a currency conversion fee of the greater of 2% over the standard exchange rate.

Currency Conversion Fee - for ATM withdrawals you make Monday-to Friday (excluding UK bank holidays)

To cover enabling you to withdraw cash from an ATM in a currency different from the currency of your payment card. We’ll use our standard exchange rate described above.

Fee free currency conversion up to up to £200 per rolling 30-day period. Thereafter, we will charge a currency conversion fee of the greater of 2% or £2 over the standard exchange rate.

Currency Conversion Fee - for purchases and ATM withdrawals you make over the weekend or UK bank holidays

To cover the cost of enabling you to to make purchases and withdraw cash in a currency different from the currency of your payment card. We’ll use the weekend exchange rate for purchases and cash withdrawals you make when the foreign currency markets are closed in the UK (typically weekends and bank holidays). The weekend rate is the rate at the time the markets closed.

In case of withdrawals or purchases over the weekend where the currency of the selected Payment Card is different to the currency of the spend, as the Forex markets are closed, we take the rate of last days the market were open (in most cases Friday:23:59 GMT) and apply a surcharge. If there is a currency conversion and the currency of the selected Payment Card and the currency of the transaction are both in one of GBP, USD or EUR, the rate will be increased by 0.5%. In any other case, that is if either the currency of your transaction or the currency of the selected Payment Card is any of our other supported currencies, the rate will be increased by up to 1.5%.

Curve Fronted fee

To cover the cost of enabling you to use a credit card as your payment card to pay merchants who only accept payment by debit card or who impose a charge or deny certain cards. Please note that your credit card issuer may also charge fees.

1.5% of the total transaction amount.

Credit Card Withdrawal fee (limits and fees)

Charges for using your credit card as the selected payment card when making cash withdrawals.

Where your selected payment ‎card is a credit card: free up to £200 /€200 per calendar month; ‎thereafter 2% of the withdrawal amount‎. ‎Please note that this is not a limit per credit card, but a cumulative for all ‎credit card withdrawals using your Samsung Pay Card in a calendar month.‎ This fee will be in addition to any of the other fees mentioned above. 

Note: Our platform uses third-party systems to identify whether the payment card ‎is a credit card. If you believe your card has been incorrectly defined ‎you should contact us and we may ask you for information so we can investigate.


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The Curve Card, the Samsung Pay Card and the E-money related to these cards is issued  by Curve OS Limited (company No. 09523903) authorised in the UK by the Financial Conduct Authority to issue electronic money (firm reference number 900926). Mastercard® is a registered trademark of Mastercard International Incorporated. The Curve Card and Samsung Pay Card are issued pursuant to license by Mastercard International Inc. 

Cards shown are all representative. There is no arrangement between Curve and any of the banks, card issuers or networks and all queries should be directed to us. Because Curve can’t guarantee that their network is always available, it is advised that you carry at least one backup card or make sure that multiple cards are available in your Apple Pay, Google Pay or Samsung Pay account.